Federal ESIGN Disclosure and Consent

Please read this Federal ESIGN Disclosure and Consent carefully and keep a copy for your records.

The following disclosures are required by the federal Electronic Signatures in Global and National Commerce Act (・ESIGN・). They are necessary to open your account electronically; you can record your consent to the ESIGN disclosures by placing a checkmark in the box at the bottom of this page.

Electronic Delivery of Disclosures and Notices

By clicking in the box at the bottom of this page, you are consenting to receive the following disclosures, notices, terms and conditions, and other documents and all changes to the disclosures, notices, etc. electronically. In order to use the Schertz Bank & Trust Online Account Opening Product and to access, receive and retain the disclosures, notices, etc. you must provide at your own expense an Internet connected device that is compatible with Schertz Bank & Trust・s Online Deposit or Loan Account Opening Products deployed at the time of access. Your device must meet the minimum requirements outlined below. You also confirm that your device will meet these specifications and requirements and will permit you to access and retain the disclosures and notices electronically each time you access and use the Schertz Bank & Trust Online Deposit or Loan Account Opening Products.

Please click on the PDF, Word or Excel files or HTML links, select Print, Select your printer and click on OK or select Save to retain a copy on your PC. If you are working on a public computer, you should not engage in online account opening.

Paper Delivery of Disclosures and Notices

You have the right to receive a paper copy of the disclosures, notices, terms and conditions, other documents, and any changes. To receive a paper copy at no charge, please request it in one of the following ways: send an e-mail message with your name and mailing address to@schertzbank.com, call us at 210.945.7400 and speak to the Customer Service Representative or write to Schertz Bank & Trust, 519 Main Street, Schertz, TX 78154, with your name and mailing address. Be sure to state that you are requesting a copy of the disclosures, notices, etc.

System Requirements to Access Information

To receive an electronic copy of the disclosures, notices, terms and conditions, other documents, and changes you must have the following equipment and software:

A personal computer or other device which is capable of accessing the Internet. Your access to this page verifies that your system/device meets these requirements.

An Internet web browser which is capable of supporting 128-bit SSL encrypted communications, which requires a minimum web browser version of either Microsoft® Internet Explorer version 6.0 (available for downloading at http://www.microsoft.com/windows/ie/downloads/default.asp) and your system or device must have 128-bit SSL encryption software. Your access to this page verifies that your browser and encryption software/device meet these requirements.

You must have software which permits you to receive and access Portable Document Format or ・PDF・ files, such as Adobe Acrobat Reader® version 8.0 and above (This free software is available for downloading at http://www.adobe.com/products/acrobat/readstep2.html). Your access to this page verifies that your system/device has the necessary software to permit you to receive and access PDF files.

Certain loan applications may require that you have or have access to・ xlxs・ files such as Excel version 2010 or later or ・docx・ files such as Word version 2010 or later. Your access to these loan applications verifies that your system/device has the necessary software to permit you to receive and access Word or Excel files.

System Requirements to Retain Information

To retain a copy of the disclosures, notices, terms and conditions, other documents, your device must have the ability to download and store PDF files.

Withdrawal of Electronic Acceptance of Disclosures and Notices

You can also contact us in any of the ways described in the preceding paragraph to withdraw your consent to receive any future disclosures, notices, terms and conditions, and other documents electronically. If you withdraw your consent, we will close your online account.